- Does a OUI raise car insurance rates in Massachusetts?
- How much does a OUI raise your insurance in Massachusetts?
- If someone gets a OUI in your car, does it go on your insurance?
- How long does a OUI affect your insurance in Massachusetts?
- How much does a OUI raise insurance by age group?
- How much does a OUI raise your insurance in your city?
- How to get car insurance after a OUI in Massachusetts
- Massachusetts OUI insurance requirements and penalties
- How long after a OUI does your insurance go down?
- Tips to save money after a OUI
- Methodology
- Massachusetts OUI insurance: Frequently asked questions
- Compare Massachusetts DUI car insurance rates with other states
Does a OUI raise car insurance rates in Massachusetts?
With a clean driving history, car insurance in Massachusetts averages $1,726. After a OUI, the rate increases to $3,193, which is $1,467 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple OUIs, average rates escalate drastically to $4,655.
How much does a OUI raise your insurance in Massachusetts?
The cheapest insurer after a OUI is State Farm, with average premiums of $1,257. The next most affordable option is GEICO, where rates are $918 higher than those of State Farm. Progressive offers the third-lowest car insurance rates for drivers with a OUI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a OUI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage car insurance rates after a OUI in Massachusetts.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $689 | $1,257 | $1,700 |
| GEICO | $1,269 | $2,175 | $3,081 |
| Progressive | $2,016 | $2,456 | $3,834 |
| Arbella Insurance | $1,708 | $2,866 | $3,941 |
| Safety Insurance | $1,517 | $3,347 | $4,943 |
| Travelers | $2,274 | $3,443 | $4,727 |
| Farmers | $1,966 | $4,109 | $5,629 |
| Allstate | $2,694 | $5,579 | $7,817 |
| USAA | $1,442 | $3,542 | $5,230 |
PEOPLE ASK:
What happens when you get a DUI in Massachusetts?
If you're convicted of a DUI in Massachusetts, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and OUI will stay on your record for life, unless it is expunged.
If someone gets a OUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the OUI will not appear on your driving record.
However, your premiums may increase if your vehicle is involved in a crash resulting from a OUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.
How long does a OUI affect your insurance in Massachusetts?
Although a OUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A OUI influences car insurance in Massachusetts and stays on your record for life, unless it is expunged. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a OUI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a OUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a OUI is $2,988.
These are the cheapest companies after a OUI by age:
- For teens: State Farm is the cheapest at $2,988.
- For young adults: State Farm offers the cheapest young adult coverage at $1,257.
- For adults: State Farm, with an average rate of $1,257.
- For seniors: State Farm has the most affordable average rate at $949.
This table shows how a OUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $2,198 | $2,988 | $790 | 36% |
| GEICO | $3,878 | $5,333 | $1,455 | 38% |
| Travelers | $4,444 | $6,199 | $1,755 | 39% |
| Progressive | $6,465 | $6,866 | $401 | 6% |
| Arbella Insurance | $5,684 | $8,013 | $2,329 | 41% |
| Safety Insurance | $6,002 | $8,520 | $2,518 | 42% |
| Farmers | $7,163 | $10,394 | $3,231 | 45% |
| Allstate | $10,354 | $14,938 | $4,584 | 44% |
| USAA | $3,634 | $7,339 | $3,705 | 102% |
How much does a OUI raise your insurance in your city?
The least expensive city in Massachusetts for car insurance after a OUI is Newburyport, while the costliest city is Chelsea, with an average rate of $4,937. Your location influences your insurance costs, even without a OUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A OUI then raises those already elevated rates even more.
This table shows average OUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Andover | $1,587 | $2,936 | $1,349 | 85% |
| Beverly | $1,696 | $3,136 | $1,440 | 85% |
| Boston | $2,103 | $3,864 | $1,761 | 84% |
| Chelsea | $2,693 | $4,937 | $2,244 | 83% |
| Fitchburg | $1,781 | $3,320 | $1,539 | 86% |
| Leominster | $1,644 | $3,043 | $1,399 | 85% |
| Lowell | $1,971 | $3,647 | $1,676 | 85% |
| Newburyport | $1,470 | $2,712 | $1,242 | 84% |
| Springfield | $2,400 | $4,465 | $2,065 | 86% |
| Worcester | $2,198 | $4,103 | $1,905 | 87% |
How to get car insurance after a OUI in Massachusetts
Insurers will label you as a high-risk driver after a OUI, but that doesn't mean you can't get car insurance. Finding the best fit after a OUI conviction may require a little work.
If you have car insurance and get a OUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a OUI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Massachusetts, since each company determines its own rates after a OUI.
Massachusetts OUI insurance requirements and penalties
A OUI in Massachusetts means you must meet specific requirements for high-risk drivers. In Massachusetts, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A OUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Massachusetts OUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.2 |
| Administrative license suspension after a first offense | 90 days |
| Limited driving privileges during suspension | Yes |
| Ignition interlocks | Mandatory for repeat convictions |
| Open container laws | Yes |
| Repeat offender laws | Yes |
*BAC is blood alcohol concentration
How long after a OUI does your insurance go down?
A OUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a OUI can impact your premiums for as long as 10 years.
In Massachusetts, drivers can expect higher car insurance rates after a OUI and expect it to stay on their record for life, unless it is expunged.
Tips to save money after a OUI
A OUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.
Massachusetts drivers can cut car insurance expenses after a OUI by:
- Raising their deductible to reduce monthly premiums
- Looking for discounts, such as multi-policy savings or safety feature discounts
- Keeping a clean driving record going forward
- Completing a defensive driving course
- Improving their credit score
- Comparing quotes from multiple insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two OUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Massachusetts OUI insurance: Frequently asked questions
How far back do insurance companies look for a OUI?
Depending on the state, a OUI may stay on your driving record for up to 10 years. In most situations, a OUI influences car insurance rates for three to five years.
Will my insurance drop me after a OUI in Massachusetts?
Most insurers won't drop your policy after just one OUI, but your premiums will increase significantly. However, if you have multiple OUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
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